🏦 EPF Retirement Calculator
Project your Employee Provident Fund corpus at age 58 based on your current salary, contributions, and expected increments. Interest rate used: 8.25% p.a. (FY 2025-26).
EPF share (3.67% of 12% goes to EPF)
Frequently Asked Questions
What is the EPF interest rate for FY 2025-26?
The EPFO declared 8.25% interest rate for FY 2024-25. We use the same rate for projection. Actual rate may vary.
How is employer contribution split?
Employer contributes 12% of basic salary — 3.67% goes to EPF and 8.33% to EPS (Employee Pension Scheme, capped at ₹15,000 basic).
Can I withdraw EPF before retirement?
Partial withdrawal is allowed for specific purposes like home purchase, medical emergency, or education after certain years of service.
Is EPF interest taxable?
EPF interest on contributions exceeding ₹2.5 lakh per year is taxable from FY 2021-22 onwards.
What happens to EPF when I change jobs?
You can transfer your EPF balance to your new employer using UAN on the EPFO portal. The balance continues to earn interest.